Legal Question in Personal Injury in Massachusetts
Home Owner Insurance Claim/Personal Injury
I am the sole owner of my home. My boyfriend of 13 years has legally resided with me since I purchased the home 4 1/2 years ago. He was the previous owner (long story;-). His hand was crushed by a backhoe while working on the property. He did spend the night in the hospital and had surgery this morning, he MAY lose his finger. There was extensive damage to his hand and will never regain full use of his hand. He also 'may' be able get a replacement joint, as his bones were shattered and they couldn't recover enough bone to reconstruct. He has no health insurance and is currently collecting unemployment (construction worker). Can he sue my home owners insurance for medical cost? I would actually prefer that he did. Can the insurance company deny his claim because he resides here? We are not married, therefore wouldn't he qualify as a roomate? We would like the medical bills covered. I have never filed a claim before (ever, not even for auto) and neither has he. Will he be covered by my home owners policy? The policy states - Personal Liability covers $500,000 each occurrence, and Medical Payments To Others covers $5,000 each occurrence. PLEASE ADVISE!!
7 Answers from Attorneys
Re: Home Owner Insurance Claim/Personal Injury
You should examine your insurance policy very carefully in order to verify covrage and exclusions. You should comply with the notice provisions for filing claims. You should immediately seek thourough review of this matter with an attorney.
This Office provides free initial consultations to review all personal injury claims. We also take on certain personal injury matters on contingency with no upfront costs to our Clients.
Re: Home Owner Insurance Claim/Personal Injury
You should examine your insurance policy very carefully in order to verify covrage and exclusions. You should comply with the notice provisions for filing claims. You should immediately seek thourough review of this matter with an attorney.
This Office provides free initial consultations to review all personal injury claims. We also take on certain personal injury matters on contingency with no upfront costs to our Clients.
Re: Home Owner Insurance Claim/Personal Injury
You should examine your insurance policy very carefully in order to verify covrage and exclusions. You should comply with the notice provisions for filing claims. You should immediately seek thourough review of this matter with an attorney.
This Office provides free initial consultations to review all personal injury claims. We also take on certain personal injury matters on contingency with no upfront costs to our Clients.
Re: Home Owner Insurance Claim/Personal Injury
You should examine your insurance policy very carefully in order to verify covrage and exclusions. You should comply with the notice provisions for filing claims. You should immediately seek thourough review of this matter with an attorney.
This Office provides free initial consultations to review all personal injury claims. We also take on certain personal injury matters on contingency with no upfront costs to our Clients.
Re: Home Owner Insurance Claim/Personal Injury
Your boyfriend should be able to sue for his bills for sure and possibly pain & suffering also. We handle these types of claims where serious medical harm is done. We have over 10 years experience and treat our cleints as our highest priority. If you would like us to review the claim there is no charge for the consultation. If you do like us and want me to represent you there is never nay fee to the client unless we are sucessful in getting our client money. Please call us if you have additional questions. You can get all of my contact information from my web page.
Re: Home Owner Insurance Claim/Personal Injury
Your boyfriend should be able to sue for his bills for sure and possibly pain & suffering also. We handle these types of claims where serious medical harm is done. We have over 10 years experience and treat our cleints as our highest priority. If you would like us to review the claim there is no charge for the consultation. If you do like us and want me to represent you there is never nay fee to the client unless we are sucessful in getting our client money. Please call us if you have additional questions. You can get all of my contact information from my web page.
Re: Home Owner Insurance Claim/Personal Injury
I am sorry to hear about this terrible accident and injury. As with the previous answers, I agree that this is a case that requires review. Unless there was some negligence on your part, it may be difficult to collect under your homeowners.
Have you also considered a products liability case? Was there anything wrong with the backhoe that caused his injuries?
If you would like to discuss this further, our office offers a free consultation. Best of luck.
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